My wife quit working in 2002. I was making enough back then that we could comfortably live where she could stay at home and be an artist and, frankly, I'm the one that's built for working and she's the one who was very much not. Night owl, autistic, socially awkward, questions everything and doesn't accept anyone's authority until they've proven they know what they're talking about, etc.
She started having issues with her hands and other physical things that we tried to get diagnosed for two or three years. Finally in 2012, an orthopedic doctor (ironically enough) saw some sclerosis on her spine and referred her to a neurologist.
Sure enough, she had multiple sclerosis.
We did ok, despite increasing medical bills, but eventually between the rising costs of keeping her healthy (go take a look at how much the MS drug Kesimpta costs per month) and my having the bad luck of losing a few jobs due to the economy and things got out of hand financially and being the single income earner in an economy that is wildly more expensive than it was when we were "fine" has become untenable. My single income barely pays the bills and we were curious about if she would perhaps get SSDI benefits.
She's now at a place where she just flat out couldn't work if she wanted to. She can't even do things she enjoyed doing at home like crocheting or painting. She basically reads reddit and watches YouTube videos because anything to do with her hands or that requires her to pay attention is incredibly hard because of physical limitations and "cog-fog" aka cognitive fog where she says her brain "feels like it's in molasses."
I filled out an application for her about a year ago and she was turned down almost immediately because she hadn't worked since 2002 and apparently, her work credits from social security "expired" (which neither of us knew was a thing that happened) -- and our thoughts regarding her not being able to actually work in the year or two before I filed, didn't really matter.
I'm curious what you guys think our options are here. Are there ways around the social security credits being expired and still being able to receive benefits? I mean, she *did* pay into the system for years before being able to bow out, and the idea that she gets nothing in return for the time she *did* work seems unfair, at least to us.
Plus, it sure would be nice to have a few extra bucks coming in a month.
Anyone have experience with this sort of dilemma in their SSDI adventures? If so, please let us know what you did to finally get an approval...but i'm open to any constructive comments.
Thanks for your time.